After a few months of emails, discussions, letter writing (which Payback done marvellously) we had the required result from my bank not fulfilling their duty of care. I reserve special thanks for Gilad Epstein, whom aided and assisted with all the commentary, advice and how to respond to the my bank and Financial Ombudsman Services (FOS) for all there questions and queries.If you have unfortunately been scammed I’m sure without doubt Payback Limited will be able to help & assist you